The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$65,884
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$2,082/mo
Today · 4.125%
HK$70,015
baseline
▲ 0.50% · 4.625%
HK$74,276
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,030/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$1,994/mo
Today · 4.125%
HK$77,255
baseline
▲ 0.50% · 4.625%
HK$81,327
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,510/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,520
−HK$2,498/mo
Today · 4.125%
HK$84,018
baseline
▲ 0.50% · 4.625%
HK$89,131
+HK$5,113/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,036/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,954
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,313
−HK$2,393/mo
Today · 4.125%
HK$92,706
baseline
▲ 0.50% · 4.625%
HK$97,593
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,412/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,237
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,107
−HK$2,915/mo
Today · 4.125%
HK$98,022
baseline
▲ 0.50% · 4.625%
HK$103,986
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,044/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,613
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,365
−HK$2,792/mo
Today · 4.125%
HK$108,157
baseline
▲ 0.50% · 4.625%
HK$113,858
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,314/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,591
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,280
−HK$3,748/mo
Today · 4.125%
HK$126,028
baseline
▲ 0.50% · 4.625%
HK$133,696
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,056/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,931
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,470
−HK$3,589/mo
Today · 4.125%
HK$139,059
baseline
▲ 0.50% · 4.625%
HK$146,389
+HK$7,330/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,118/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,961 · Scale 2, in force from 26 Feb 2026)